I don't practice in Florida and so I am limited my in my knowledge, but I don't believe you can take federal exemptions in Florida.
There are only a hand full of states that allow you to pick your exemption scheme.
I believe you are stuck with the Florida Exemptions (if you qualify to use Florida exemptions).
You should speak with a Florida attorney to determine whether you can file using Florida exemptions.
This case is going to turn on notice. If they did not get notice either by mail or in person, then you would only have to give notice to stop the proceeding.
If they knew, you could get them for sanctions for violating bankruptcy law.
As for mortgage, you don't personally owe money. If there are HOA issues or is there is personal liability for your property taxes, that may be different.
You can always buy if you can convince a lender to lend.
Under these circumstances, it would help you to make a call to a mortgage broker to determine your options. THis is a sticky spot.
I have no idea what the other attorney is talking about.
When it comes to 940 and 941 taxes, or in other words "trust taxes," you are on the hook for as long as they want to chase. They cannot be discharge because in essence you held this money on behalf of the government and you took it from them.
They make the rules not me.
Not all laws taxes work this way, but his kind of tax does.
You need a tax and bankruptcy attorney.
Your chapter 7 was nothing more than a speed bump in...
First, it is not clear that the additional income is going to require a Chapter 13. If it was a small enough amount, that you forgot, it may not change anything.
Second, I would amend the schedules and give notice to all of the people involved in the case including the interim trustee and the US Trustee.
If they want you in a Chapter 13, they will put you there.
If you come to them with the mistake, you are much better off than them coming to you.
Take care of this quickly.
First, I would make sure the loan is actually on title.
Second, if you want to keep the car, make the payment or redeem the vehicle. Google redemption if you don't know what it is, but it is where you buy your car for what it is worth instead of what you owe. With a title loan, these rarely make sense.
The only way that you would be considered "suspicious" is if you don't disclose your actions. The bankruptcy schedules ask this question every way possible. It does not matter if it is a gift, loan, or someone is holding your money on your behalf.
Once a bankruptcy is filed, then the Trustee has the right to collect the asset.
There are time frames in which this kind of transaction must be disclosed.
Even if it is not disclosed, the Trustee, if she/he learns about the transfer,...
There is not enough information to know exactly what is happening.
My best guess is that you are looking at the judgment and it has a certain number. Then you are being charged $300 more.
If this is correct, this is normal and most judgments say that you are responsible for certain costs for debt collection efforts.
Without seeing the paperwork, I have no idea.
If it is improperly charged, then ask for a hearing.